What do I say to her? Please help?

I've been having some odd experiences around my house lately. It's been making me really depressed and keeping me from getting sleep. I would like to point out: I've been to a doctor and no I'm not insane, nor do I do drugs or drink or anything of the sort. I am perfectly healthy. However, three years ago my mother passed away from cancer and it had a big impact on me and my family. I'm not sure what this is, you can call it a spirit, ghost, angel, whatever. But, just the other day my cousin and I were talking on Facebook at 3 in the morning. We were saying we both couldn't sleep. Then the conversation somehow got into me having nightmares and ghost related happenings, and we were talking about what a ghost truly is. Then she said if I need help I can always call her because she helps people with this stuff. I want to call her, but I don't know what to say. I can't articulate when I'm on the phone with people/in person, this stuff is a sensitive topic to me. What should I say? I want to talk to her.